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Welfare Summary Annual Report

In accordance with ERISA Reporting Requirements, we are furnishing you with this Summary Annual Report for your records. No action is needed on your part. Please call Peter Owens at 617-824-8581 with any questions.

This is a summary of the annual report of the Health, Dental, Life & LTD Benefits for Employees, EIN 04-1286950, Plan No. 501, for the period January 01, 2015 through December 31, 2015. The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Insurance Information

The plan has contracts with Delta Dental Of Massachusetts, and Standard Insurance Company to pay dental, life insurance, long-term disability, and accidental death & dismemberment claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2015 were $971,195.

Because they are so called "experience-rated" contracts, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2015, the premiums paid under such "experience-rated" contracts were $326,969 and the total of all benefit claims paid under these contracts during the plan year was $314,614.

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:

To obtain a copy of the full annual report, or any part thereof, write or call the office of Emerson College in care of Peter Owens who is Plan Administrator at 120 Boylston Street, Boston, MA 02116, or by telephone at (617) 824-8581. These portions of the report are furnished without charge.

You also have the legally protected right to examine the annual report at the main office of the plan (Emerson College, 120 Boylston Street, Boston, MA 02116) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.